As I've mentioned numerous times, whether your adviser is a fiduciary and puts your interests before his or her own is the most important criterion in choosing or assessing an adviser. Just because the stock market did well in 2014 (11%) doesn't mean your adviser is working in your best interest. Paul Sullivan provides more advice and perspective in The New York Times Money blog: http://www.nytimes.com/2015/01/10/your-money/when-judging-financial-advisers-look-beyond-the-annual-return.html?_r=0
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